LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.

Announcements

  • Our Benefits Administration division has their own website. Click here if you are looking for the LD&B Benefits Card Login.
  • We are hiring! Click here to view our open positions.

Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
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Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
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Health Insurance

Protecting you and your family through all stages of your life.
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Financial Services

Financial Services

Provide security for years to come with our full suite of financial services.
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Employee Benefits

Employee Benefits

Help your business attract and retain the best employees.
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Recent News & Updates

How Much Is Renters Insurance?

Posted: May 22, 2019

The great thing about renting is that you usually don’t have to deal with home improvements, major repairs, or mowing the yard. But that doesn't mean renting is completely worry-free. There’s always the chance of a fire, water damage, burglary, or some other calamity that could turn your life upside down. Imagine if all your belongings were ruined or stolen and you had to start... Read Article

Do I Need Liquor Liability Insurance If I Only Sell Beer Or Wine?

Posted: May 21, 2019

Despite the name, you will need to make sure you add liquor liability insurance to your business policy if you serve beer or wine at your business. Although most business liability insurance automatically includes host liquor coverage, this only applies to small functions hosted by an enterprise that is not in the business of selling alcohol. Our experienced agency can help ensure you have the... Read Article

6 Fresh Ideas For A Fun Family Dinner Night

Posted: May 21, 2019

Sometimes, family dinners can start to feel like a chore.  With poor planning, picky eaters, and hectic schedules, it’s easy to feel like you’re serving the same meals over and over again.  But with a little creativity, family meals can be an opportunity for both parents and children to build stronger relationships while trying something new. Because meals are about more than just feeding your... Read Article

Standard Auto Insurance Vs. RV/Camper Insurance: Understanding The Difference

Posted: May 20, 2019

Although a recreational vehicle, or RV, is similar to a car in many ways, the insurance needs for the two types of vehicles differ. Limiting your RV insurance to a typical auto insurance policy would leave you with dangerous gaps in coverage. Basic Differences between RVs and Cars RVs are towable trailers or large motor vehicles that typically include a kitchen space, bathroom, and living... Read Article